MN HF2215

Creates the Minnesota Lifeline Insurance Program to provide low-cost auto insurance for residents with household income at or below 300% of the federal poverty level who have qualified health coverage and three years of continuous driver licensure

Lifeline policies include $30,000/$60,000 bodily injury liability, $10,000 property damage, $25,000/$50,000 uninsured/underinsured motorist coverage, and $5,000 in basic economic loss benefits for 6 or 12-month terms

Applicants are disqualified if within three years they were at-fault in an accident causing injury/death, convicted of a motor vehicle-related crime (except certain insurance violations), had more than two moving violations, or caused more than one property-damage accident

Imposes a 10-cent surcharge per vehicle for every six months of coverage on comprehensive auto insurance policies to fund program marketing and outreach through a dedicated special revenue account

Appropriates $20,000 in FY2026 and $20,000 in FY2027 for an independent actuary to advise public members of the facility, with additional unspecified general fund appropriation to establish the program